Should I open a mutual fund folio in the child’s name or parent’s name?

Folios can be created in the minor’s name with the parent/guardian as custodian. Upon turning 18, status converts to adult (Major). Alternatively, parents can earmark dedicated tags or separate folios in their own names with the child designated as 100% nominee.

How should asset allocation shift as college admission nears?

When the child is between ages 0 to 13, hold 80-90% in diversified equity mutual funds. Between ages 14 to 17, systematically de-risk via STP into conservative short-duration debt or arbitrage funds to prevent market drawdowns from impacting fee payment schedules.

Child Higher Education Planner

Beat 10% college inflation and guarantee your child’s ambition.

Project higher education costs for premier degrees and calculate the exact monthly equity SIP required today.

Today's Cost of Target College Course

₹

₹5,00,000₹1,50,00,000

Current 4-year tuition, hostel, and living expenses for engineering, medical, or management degrees.

Child's Current Age

Yrs

0 Yrs17 Yrs

College Admission Age

Yrs

16 Yrs23 Yrs

Higher Education Inflation Rate (%)

6%14%

Education costs in India historically double every 7 to 8 years (~10% CAGR).

Existing Savings Earmarked for Education

₹

₹0₹50,00,000

Expected Equity Mutual Fund Return

8%16%

Total Goal Fund Needed

₹1,04,43,120

The Real Cost of Procrastination: ₹25 Lakh Degree Today

Assuming a newborn turning 18, 10% education inflation, and 12% equity CAGR.

Start Timing	Child Age	Years Left	Required Monthly SIP
Start at Birth (Optimal)	0 Years	18 Years	₹13,800/mo
Delayed to Playschool	3 Years	15 Years	₹20,800/mo
Delayed to Primary School	7 Years	11 Years	₹39,500/mo
Delayed to Middle School	12 Years	6 Years	₹1,02,400/mo

Frequently Asked Questions & Expert Guidance

Tuition hikes, advanced curriculum licensing, infrastructure upgrades, and technological adoption cause private college fee structures to inflate at roughly 10% annually. If sending a child abroad, currency depreciation (INR vs USD) adds another 3-4% to overseas tuition.